Baccarat Online – Tips, Rules & Strategies

Introduction To Baccarat

Baccarat is a card game based on chance. It can be played at the casino and online (generator or live dealer), and the principles of the game are similar for either version. A live dealer deals out cards instead of the cards being decided by a random number generator that will add more excitement to the game. There are a few variations, but the rules are often the same.

How To Play And Win Baccarat

To play online Baccarat either live or simulated is about the same as being at the casino tables. The only difference for baccarat online – to play for real cash you have to register an account and download and install special casino software. Once the account is registered, you can log into the software, the computer will establish a secure connection to a protected gaming server over the internet.

To play for real cash, you will also have to make a deposit, using different banking options that the casinos provide. The online table is a small copy of the original game tables, except it seats one player only.

In Baccarat, you are playing the house and not other players, comparing cards between two hands, the banker and the player. Each Baccarat coup has 3 outcomes: banker (Banco), player (Punto) and Tie (Standoff). Players can deal in this game. Player that is dealing is called the dealer. The main objective of this game is to get a total of nine or close to it and basic rules for playing include:

  • 4-8 decks of cards shuffled together
  • 1-14 players can play
  • Card values from 2-9 are face value
  • Tens, Jacks, Queens; King is zero
  • Aces are worth one point
  • Any time you have over 9 the first number is dropped – for a single digit number. So, if you have 16, then you actually have 6.

Scoring in Baccarat is easy for both sides. If the first two cards are a Jack and two, you subtract the tens place, and the card value is two. Another example if you draw a seven and a two, that is a natural nine, however if you draw a king and queen, that is a Baccarat, and the total value is zero.

The banker and the player get two cards each, then you will bet the player, banker or the tie. In Baccarat, if you bet on the bank you owe 5% to the bank it is considered a tax instituted by the casino. Everyone at the table is going to make a bet.

Even the player which is dealing will have to choose the player or the banker. Usually, the dealer is going to bet on himself. The shoe, in which the cards are dealt from, will be next to the Croupier and it will remain with the same person as long as the bank wins. When the player wins the shoe is passed to the next one.

In some cases, a third card is needed to determine the outcome of the game. Depending on who needs the card, the outcome can vary greatly. This is a game of chance and luck and so when a player places his bet, the key factor could mean a third card.

Third card rules for the player

After the first two cards have been given to both player and dealer, the third card may come into play. A player has no authority in determining how the cards are dealt. The third card rule overvalues everything else in the hand. This card alone determines the outcome. If the first two cards of the banker equal 0-7, the player follows the third card rule, providing that he does not have a natural.

  • If first two cards equal 8 or 9, it is a natural and the hand stands
  • If they are a six or seven, the hand stands
  • A player draws a third card only if the first two cards are between 0-5

Third card rules for the banker

  • First two cards of the banker it’s a natural and all hands stand
  • If they equal seven, the banker stands
  • If the first two cards equals, a three and a players third card equals eight the hands stand
  • If the banker has a four and the players third card equals 0,1,8 or 9 the hands stands
  • If the banker has a give and the players third card equals 0,1,2,3,8 or 9 the hands stand
  • If the first two cards equal six and the players third card equals to 0,1,2,3,4,5,8 or 9 the hands stand
  • Any other situation the banker draws a third card

Variations of the game

  • Punto banco – The majority of casino baccarat games in the US are “Punto banco”. In this variation, the casino banks the game and commits to playing out both hands according to the rules.
  • Banker (Banco) and Player (Punto) are simply designations for the two hands dealt because the banker has no association with the house, and the player has no particular association with the gambler.
  • Chemin De Fer – played mainly in French Casinos, and it follows the same objective as Punto Banco. The hand values are determined the same way as Punto Banco. The casino does not play banker; the players wager among themselves and the bank rotates among them. A player can decline the role of the banker. The casino provides a dealer and the equipment to play with and otherwise has no direct impact on the game.
  • Baccarat Banque (A Deux Tableaux) – this game can be found in some European casinos. The objective is the same, get as close to nine as possible. Only the casino acts as the banker in this version. The bets can increase in value since the house is the banker. It only takes the house and one other player to start the game. Players can bet on both hands but never on the dealer’s hand.
  • Mini Baccarat – operates under the same guidelines as Punto Banco but on a smaller betting scale. It has a place for seven players and is about the same size as a blackjack table. The Croupier collects the commissions once a player decides to leave the game. All the rules are the same for this version as it is for the larger.
  • Live Dealer Baccarat – requires a software download from a provider. You can find tables for most versions that follow Punto Banco rules. Most live dealers operate around the clock and could have betting limitations. The realistic setting puts the player right in the action.

Baccarat Payouts and Odds

The payouts in Baccarat are straight forward. If the player’s hand wins, the payout is 1 to 1. If the banker’s hand wins, the payout is 1 to 1 with a 5% commission fee. In case of a standoff or tie, the payout is 8 to 1 with all original bets returning to the hands. The odds of winning depends on the number of decks involved in the game.

  • One deck – Banco bet 45.96%, Punto bet 44.68% and Standoff 9.35%
  • Four decks – Banco bet 45.88%, Punto bet 44.63% and Standoff 9.49%
  • Six decks – Banco bet 45.87%, Punto bet 44.63% and Standoff 9.51%
  • Eight decks – Banco bet 45.86%, Punto bet 44.62% and Standoff 9.52%

Baccarat Strategies For Playing Online

Stay long at one table
The longer you play at a given table rather online or at the casino, the house is ultimately favored.

Concentrate on a short-term strategy
Before joining an online game, consider a short-term strategy of winning small and calling it quits. Consider leaving the game after winning a few bets, this will depend on how much you bet and how you bet. A few small victories is better losing it all.

Avoid betting on the tie
The edge goes to the casino (around 14%), so consider dealer and player’s bets only. Even if you do win, the banker’s commission is a staggering 5%. Consider looking for a smaller banker’s commission, this way you if you do decide to bet on a standoff, you could increase your winnings.

Choose a few decks tables
As you gain experience, consider looking for tables with a minimal amount of decks. These tables could have extra rules that may affect your odds. Lower deck counts could also mean better odds for the player as well. The last strategy available to you and one of the best is to learn to cut your losses and walk away. If you are on a streak, stop and leave the table, manage your gains carefully or you could lose everything.

Baccarat tips

Playing Baccarat regularly can help you get the experience you need to make confident bets. There are tons of different techniques to help you get started, one major difference between online and casino Baccarat is the game speed.

While this is a game of chance, the following tips should make the game more enjoyable while online.

  • Know your bankroll limits before you play, or you could easily overspend your limit and have issues.
  • Practice before using real money by playing online for free with RNG’s, in any variation that you chose.
  • Playing at reputable sites means fewer risks to your experience and problems with any downloaded software.
  • Never bet on a tie at all, considering it favors the house tremendously even with an 8 to 1 payout if you win.
  • Baccarat systems never work; this game is based on chance and not skills.
  • Have a stable internet connection before you play online baccarat in any fashion. You are responsible for covering your bets.

Baccarat Terms To Know

Listed below are the standard terminology used in the game, either online or at the casino.

  • Banco – Usually means the bank but can mean when a player bets of their money
  • Banker – Refers to one of the bets on a standard baccarat table
  • Player Bet – Betting on Dealer or Player
  • Bankroll – Amount of money that used to bet.
  • Carte – Term when requesting card from the dealer
  • Dealing Shoe or the shoe – Container holding the deck of cards from which the cards are dealt from and to each player.
  • House Edge – Casino advantage over the player
  • Coup – A round of play consisting of a player and bankers hand.
  • Dealer – Person handing out the cards
  • Dragon Bonus – A side bet option for player or banker, wins if chosen hand wins by natural or four points or more.
  • Game Supervisor – Casino employee who makes sure the rules are being followed correctly
  • Mini Baccarat – Mini version of Baccarat with lower betting limits.
  • Natural – Hand count of eight or nine from first two cards
  • Run – A side bet that sometimes lets a player bet on a series of hands.
  • Tie (Standoff) – One of the three possible bet outcomes in a Baccarat coup.


Playing Baccarat online is an enjoyable experience, but it is wise to learn the game and practice before using real money. Be aware of any system that tries to offer you a way to beat the system, because this game is based on chance and not skill.


Do online Baccarat tables have commissions?

Yes, most RNG online tables have commissions on the Banker’s hand around 5%. Some online casinos may offer a lower commission fee as an incentive to lure players to the tables. Usually the best offer is 4%, but in some cases, there could be free commissions. Expect to pay a 5% fee on live and RNG tables. These rates will fluctuate between providers. Live dealer tables offer the same commission rates as the simulated tables.

What is the difference between a RNG (Random Number Generator) Baccarat table and a live dealer Baccarat table?

One of the biggest differences between these two types is that a live dealer is available from some providers, and they are linked by video. RNG’s are simulated tables that offer an increase game speed with odds more in favor for the house. Live dealers often interact with the players, but players cannot see one another. Players can chat with others through a messaging system as well as chat with the dealer. Live dealers offer more favorable odds for the players and can be accessed around the clock and from anywhere in the world. RNG’s are not so inclined to spark a conversation with the player and can be terminated without warning.

What is the best way for me to get more comfortable with the game of Baccarat?

One of the best ways to get comfortable with Baccarat is playing mini Baccarat online or with friends. Online RNG’s are good ways to practice the game, especially with no money involved. Once you are comfortable with the game and rules, you can move to playing Baccarat online or with a live dealer.